APR is Annual Percentage Rate, i.e. the true interest rate charged on a loan.
MANUFACTURING OVERHEAD is the total cost of indirect labor, indirect materials, and other indirect expenses associated with manufacturing products.
INTELLECTUAL CAPITAL Intellectual capital bundles knowledge resources (how the 'production functions', that is the constellation of employees, users, processes and technologies, work). Intellectual capital enables a company to make a difference to users via its knowledge resources.
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